Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated May 2023
Are you considering getting a home warranty? Try one of our recommended home warranty companies. There are many great things about homeownership in Shelbyville. However, major home systems and appliances, like your electrical systems and refrigerator, can break down due to normal wear and tear, leaving you with costly repairs.
When one of your systems or appliances malfunctions, a home warranty will step in to help you cover the costs. Getting a home warranty can give homeowners the peace of mind they need to feel less stressed by homeownership. Finding the best home warranty plan for your Shelbyville home can be difficult, so our team at Today's Homeowner did the research to help you find the best plan that will work for your home. Keep reading for our recommendations.
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
Choice Home Warranty offers the best overall home warranty in Shelbyville. Choice has been in the home warranty industry for over 15 years. Choice offers 2 plans for you to choose from. If you're looking for very high coverage caps and simple-to-understand service contracts, this is the provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty has 2 plans that offer a combination of appliance and system coverage. Choice's service fees are an affordable $85, and the coverage caps come out to about $3,000 for each covered appliance or system.
For more information, read our Choice Home Warranty full review. To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty is the most cost-effective home warranty in Shelbyville. Select is a home warranty company with 11 years of experience in the industry, and it has become one of the best providers in the business. The 3 plans that Select offers include differing levels of system and appliance coverage, as well as add-on options. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage limits from Select are around $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Shelbyville area.
Read our Select Home Warranty full review to learn more. To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
American Home Shield offers the most customizable home warranty in Shelbyville. AHS is a home warranty provider with 26 years of experience in the industry, and it has proved to be one of the best providers in the business. If you're looking for the ability to customize your plan with the coverages that work specifically for your home, you'll want to have this plan on your side. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans that AHS offers include options for appliance and system coverage.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. For a more detailed breakdown, read our review of American Home Shield.
ShieldSilver
ShieldGold
ShieldPlatinum
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
The Home Service Club is the best home warranty with the quickest service for Shelbyville residents. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 plans from HSC are easy to comprehend and offer both system and appliance coverage.
The Home Service Club has 2 plans that offer a combination of system and appliance coverage. HSC has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For more information on this provider, read our The Home Service Club full review.
Standard Coverage Plan
Comprehensive Coverage Plan
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
In Shelbyville, Liberty Home Guard is the most trustworthy home warranty. When you buy a home warranty from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty has 3 simple plans, making the selection process quick and easy.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty's plans are around the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $75.
For a more detailed breakdown, read our review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281.
Appliance Guard
Systems Guard
Total Home Guard
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
In Shelbyville, First American Home Warranty offers the best home warranty for appliance coverage. The home warranty company offers 2 plans to policyholders that have various options for appliance and system coverage. First American offers very affordable and comprehensive appliance coverage. Plus, it also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. The coverage limits from First American are about $1,500. The service fees are a reasonable $85, which is less than other providers in the Shelbyville area.
Read more by visiting our review of First American Home Warranty. To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164.
Basic Plan
Premier Plan
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
In Shelbyville, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch is a home warranty company with 44 years of experience in the industry, and it has proved to be one of the best providers in the business. The 3 plans that Cinch offers include options for appliance and system coverage. If you're looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Shelbyville homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps associated with Cinch's plans are close to the $1,000-$2,000 mark for many major systems and appliances, and service fees are customizable and range from $75 to $150.
For a more detailed breakdown, read our comprehensive review of Cinch Home Services. To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $5,829 |
| Heating | $3,886 |
| Electrical | $583 |
| Toilets | $486 |
| Washer/Dryer | $777 |
| Plumbing | $583 |
| Oven | $1,555 |
| Fridge | $583 |
A home warranty is a service contract that covers the cost of repairing or replacing major home systems and appliances when they malfunction over time due to normal wear and tear. Having one in place can give you some peace of mind and protect your bank account from big out-of-pocket costs. Most home warranty plans take effect about 30 days after purchasing the home warranty plan.
Filing a claim with your home warranty company is quite simple. You can use an online portal or a direct phone number to request service for a repair or replacement.
Once you submit the claim, it will be assigned to a local repair person that will come to your home and fix the problem. At this point, you pay the service fee. Service fees typically range in price from around $60 to $150 and this is the only out-of-pocket fee you will need to pay unless the repair cost is more than your home warranty's coverage cap.
A home warranty offers coverage on your home's major appliances and systems and it can help lower how much you spend on maintaining your home. The appliances typically covered under a home warranty plan include a dishwasher, garbage disposal, microwave, clothes washer, clothes dryer, refrigerator, and more. The systems included are air conditioning, ductwork, plumbing, and electrical systems.
Add-on options can vary by provider but typically include things such as a septic system, central vacuum, sprinkler system, plumbing stoppages, and second refrigerator.
A home warranty will only cover repairs and replacements due to normal wear and tear. If you are experiencing cosmetic issues with appliances or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, pre-existing conditions, intentional breakages, and natural disasters are not covered with a home warranty.
Shelbyville's relatively mild winters and hot summers can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty will cover your home's appliances and systems if they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the necessary repairs, saving you from spending unexpected money out of pocket.
Additionally, having a Shelbyville home warranty can help make your house more appealing to potential homebuyers if you ever decide to sell later. Many home warranty providers will allow you to transfer your plan to a new owner and give them the protection you've been receiving.
There are also some drawbacks to buying a home warranty policy, such as the coverage exclusions. For instance, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.
Another thing to take into consideration is that some companies don't cover pre-existing conditions and may require an inspection before coverage begins. Ask the home warranty company for clarification about this if you aren't sure or if this is a problem for you.
After researching home warranties in Shelbyville, the next step is to figure out which company you'd like to receive a free quote from. When deciding which home warranty provider is the best one for you, here are some important factors to bear in mind:
The top home warranty provider in Shelbyville is Choice Home Warranty. Choice Home Warranty has a large network of professional technicians and a tremendous reputation in the Shelbyville area.
A home warranty helps protect against the normal wear and tear of home systems and appliances. Homeowners insurance protects a home in a situation like a natural disaster or fire. With a homeowners insurance plan, you will not be able to file a claim should you need a new dryer or oven, unless the damage is due to a natural disaster, which are not that common in Shelbyville.
Homebuyers, landlords, home sellers, real estate agents, and homeowners can all get home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save you money in the long run.
Home warranty plans generally provide coverage for a year. Many providers let you renew your plan each year, which can be useful in Shelbyville for added protection against something like your heater or A.C. breaking down when you require it the most.
Home warranties will cover the cost of repairs and replacements as long as it is within the coverage cap of the plan. If the replacement costs more than the home warranty plan covers, you will have to pay for the rest out of pocket.
A service fee is an expense that must be paid before a repair person or contractor comes to your home to fix your home warranty-related problem. The pricing is typically between $60 and $150. Service fees are sometimes referred to as deductibles, and they should be the only out-of-pocket cost that homeowners are subject to with a home warranty except for the policy's premium unless the cost of the repair is more than the coverage cap.
The systems and appliances in a home are covered under a home warranty in Shelbyville. Everything from a fridge to a pool can be covered under a home warranty depending on the plan.
